Route cards, ACH, and RTP through intelligent orchestration—idempotent APIs, reconciliation you can audit, and settlement windows that match how your treasury actually works.
One API surface for every rail—with ledger-grade correctness when money moves
We design payment routing, idempotency keys, and double-entry ledgers so retries never double-charge and finance can tie out to bank files without spreadsheet archaeology. Whether you are launching in one country or wiring secondary PSPs for resilience, the architecture makes failure modes explicit and observability first-class. Outcome: product teams ship new checkout flows while risk and treasury retain controls, SLAs, and evidence packs regulators expect.
01 // THE MANDATE
Route cards, ACH, and RTP through intelligent orchestration—idempotent APIs, reconciliation you can audit, and settlement windows that match how your treasury actually works.
We design payment routing, idempotency keys, and double-entry ledgers so retries never double-charge and finance can tie out to bank files without spreadsheet archaeology. Whether you are launching in one country or wiring secondary PSPs for resilience, the architecture makes failure modes explicit and observability first-class.
Outcome: product teams ship new checkout flows while risk and treasury retain controls, SLAs, and evidence packs regulators expect.
02 // ENGINEERING
Development process
Structured phases—from discovery to launch—with clear ownership and handoff points.
Discovery & rails map (weeks 1–3)
Core ledger & APIs (weeks 3–10)
Orchestration & resilience (weeks 8–14)
Hardening & launch (weeks 12–18)
03 // CAPABILITIES
Core Capability Matrix
The building blocks of your solution
Unified Payments API
cards, ACH, SEPA, RTP/FedNow where available—with consistent error taxonomy and webhook signing.
Orchestration
rules by amount, currency, risk score, and PSP health; circuit breakers and shadow traffic for migrations.
Ledger
append-only journal with immutable history; multi-currency with policy-driven FX sources.
Reconciliation
automated matching of PSP reports to ledger; exception queues with human review hooks.
Compliance
KYC/KYB hooks, OFAC screening integration points, and retention policies per jurisdiction.
Vaulting
tokenization strategy aligned with PCI scope reduction; key rotation runbooks.
Observability
trace IDs across checkout → PSP → webhook; dashboards for approval rates and latency SLOs.
Treasury
settlement calendars, cut-off alerts, and forecasting inputs from expected cash positions.
04 // DELIVERY LIFECYCLE
The strategic roadmap
Milestones and checkpoints—each phase has a clear outcome before the next begins.
Weeks 1–3: Current-state assessment, target architecture, and phased cutover plan. Deliverable: integration map and risk register.
Weeks 4–9: Ledger MVP, primary rail live in shadow, reconciliation alpha with finance pilot.
Weeks 8–14: Secondary PSP, orchestration rules, exception workflows, and webhook hardening.
Weeks 13–18: Production launch criteria met; DR drill; documentation and support playbooks.
Ongoing: Quarterly vendor reviews, fee optimization, and roadmap for new rails or geographies.
05 // PRODUCT SCOPING
Choosing your path
Two engagement models—start lean and iterate, or commit to a full platform build from day one.
MVP
Speed & essentialism
Full product
Enterprise maturity
06 // PARTNERSHIP
Why work together
A single accountable partner across strategy, build, and go-live—not a revolving door of vendors.
End-to-end ownership: discovery, architecture, implementation, and launch—with clear communication and production-grade engineering.
- Discovery & alignment
- Systems that scale
- Implementation depth
- Clear comms
07 // CLARITY
Frequently asked
Idempotency keys on every mutating call, server-side deduplication windows aligned to PSP behavior, and ledger postings that reconcile external IDs to internal journal lines—so network hiccups never become duplicate settlements.
08 // MORE SOLUTIONS
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